I started serious Investing Journey in Jan 2000 to create wealth through long-term investing and short-term trading; but as from April 2013 my Journey in Investing has changed to create Retirement Income for Life till 85 years old in 2041 for two persons over market cycles of Bull and Bear.

Since 2017 after retiring from full-time job as employee; I am moving towards Investing Nirvana - Freehold Investment Income for Life investing strategy where 100% of investment income from portfolio investment is cashed out to support household expenses i.e. not a single cent of re-investing!

It is 57% (2017 to Aug 2022) to the Land of Investing Nirvana - Freehold Income for Life!


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Tuesday 27 September 2016

理财是为了虐待自己


CW8888: True! That is why you don't hear Uncle8888 talking about saving to the GREATER or GREATEST distance to achieve financial independence sooner.

As a single income household, he spent wisely and plan ahead for his retirement and his three kid university education costs is already an achievement in his life and not by accumulating millions and millions then it is financial independence. May be that is financial freedom!

Read? 理财是为了虐待自己


看到这么一个题目你会不会很奇怪?哪里有人理财来虐待自己的?有,就是有,而且多得是。


现在很多人都是理财来虐待自己,他们为了发达,节省这样节省那样,甚至不舍得吃不舍得喝,而且已经到了过分的地步,我之前也是为了达到目的,做了跟他们一样的事。慢慢的走入迷途,忘记了理财的初衷。我刚开始理财的目的,是为了将来能有好日子过。但是。。将来到底是几时?好像水星网友曾经说作梦到自己死了,不知道我们会不会也忽然离世,好像伟人曼德拉也在上个星期离世了,虽然是享年95岁,但是~是不是人人都能活到这个年纪呢~

我们投资股票的,通常我们的计划要数十年才能完成,皆因复利是要越后才会发挥越强大的效果,为了将来能过好日子,我试过省吃省喝省这些省那些,但是我的目标并没有因此而拉近了,反而我的心境越来越不平衡,而且适逢那时候大市不好,我越投资越理财,钱反而越少,我心灵接近破碎,每日生活的像行尸走肉~当我就来撑不住的时候,我想通了。。悬崖勒马了。。赶紧从牛角尖转回出来,我发现把应该用的都用上,把该吃该喝的都吃上,整个人会不一样,原本的压力重重,忽然像整个人释放了,后来慢慢地,财富也一样跟着堆积了起来,并且我相信并不会比省吃省用慢很多。原来我参透了,理财投资有时候很像肥皂,当你越用力抓他,他就越容易滑走,反而你轻轻的拿起他,反而就更容易握住~

其实我主张的理财应该是要理生活,就是说理财是为了让自己好过,而不是虐待自己,所以每当我们得到薪水的时候,拨备一部分来储蓄是必要的,而其他该用的费用我们还是不能太节省,但是这里的不能太节省不是说叫你买IPHONE,SAMSUNG手机,而是叫你吃吃喝喝适度调节自己。那么什么是必要的呢?其实有一个方法很容易判断,就是说哪一样东西如果你没有也不会死的那么这一样就不是必要的了,虽然这个只是一个类似玩笑般的回答,不过其实如果认真想一想,都蛮合理。当然,适当的满足下自己的欲望我觉得也是一项必需品,因为我们人就像一副引擎一样,如果你为了节省而不放润滑油下去,引擎会强烈磨损,到时就需要更大一笔费用去维修了,我们人也一样,如果长期让自己活在紧绷之中,当我们内心的欲望爆发的时候,分分钟我们会花更大的钱去买入一些更贵的奢侈品~

可能我们为了要发达,我们想尽快完成目标,想用最快的速度达到财务自由,好像【你要那么多钱做什么】的故事主角,但是有没有想过投资未必全部都会如意的?会不会有可能世界可能会发生战争?会不会有什么特别的事情发生如我们忽然身体得病,变成有钱都不能享呢?

就算最后到你真成功了,钱多到用不尽了,你真的会快乐吗?给你买入10间或100间甚至1000间豪华别墅又如何?你真的需要那么多吗?给你每天疯狂的去购物?天天鲍鱼刷牙鱼翅刷口?你真的需要几千个名牌手袋吗?你真的一天能吃得下数十粒鲍鱼吗?其实很多人有时自己到底是需要,想要还是炫耀自己都分不清。当你到了那个地步,我相信你一定会觉得你浪费了太多的时间去虐待自己~

不知道大家有没有听过,一副琴弦如果勒得太紧,很容易就会断掉,但是如果勒得太松呢则弹不出声音,所以找到一个平衡点是非常重要的。我还听过一个故事,我们人生就好像在跷跷板上,由低处要向高处去,但是当我们走到高处的时候,其实我们又回到低处了,而真正的高处,其实正正就在中间的平衡点,所以理财的平衡点,你。。找到了吗?你愿意让自己在理财的路上快乐吗
?很多人看起来很富有,表面上很快乐,但是不知道有没有人想过,他们心里。。真的快乐吗?:)



6 comments:

  1. Wow!

    Qian Bei got read Malaysian cheena financial blogs!

    Power sia!

    ReplyDelete
  2. Just follow Raymond Ng's FB can liao. No need to visit farther. :-)

    ReplyDelete
    Replies
    1. Ah!

      I was thinking where to find Malaysian Chinese financial blogs aggregator???

      So des ne!

      Delete
  3. Haha I got friends every single cents also count. I just save x %. The rest spend! Later suddenly up lorry so much money no use. But of course ppl say can give your children. But then this is 人在天堂,钱在银行!

    ReplyDelete
  4. 但是这里的不能太节省不是说叫你买IPHONE,SAMSUNG手机,而是叫你吃吃喝喝适度调节自己。那么什么是必要的呢?其实有一个方法很容易判断,就是说哪一样东西如果你没有也不会死的那么这一样就不是必要的了,虽然这个只是一个类似玩笑般的回答,不过其实如果认真想一想,都蛮合理。 -> it's the balance that is hard to strike and subjective!

    ReplyDelete
    Replies
    1. Balance may mean we should be seeing occasional spikes in monthly spending. :-)

      Delete

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